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What questions do two-wheeler insurance companies ask and why?

Team AckoJan 17, 2024

Buying bike insurance online is in many ways similar to buying a tangible item from popular e-commerce websites. But there is one major difference — you don’t have to answer a list of questions like why do you want to buy this item? What is the purpose behind buying it? Have you made a similar purchase before? No, they don’t ask that, but two-wheeler insurance companies do ask questions related to you, the bike, and your policy. This is mainly because the bike insurance premium varies depending on multiple factors. 

Let’s understand what questions bike insurance companies ask and why?




Top 8 bike insurance questions insurance companies ask

Here is a list of common questions you must know about before you set out to buy a bike insurance policy.

1. Who owns the bike?

Bike insurance companies typically ask for details about you (the bike owner). Understanding this is important for the insurer as this will help create a user profile. If this is hard to comprehend, let’s understand how different user profiles help insurers offer better coverage.

  • Ria is an 18-year-old girl who has recently become a bike licence-holder and wishes to ride a two-wheeler. The bike insurance company can offer tailored coverage that will give her maximum insurance coverage as she is a high-risk customer due to her young age and displays less driving experience.

  • Sam is a 46-year-old experienced bike rider who has extensive experience and road sense when it comes to riding a bike. He has completed several long-distance rides without raising claims. The insurance company will offer basic coverage as Sam is a low-risk customer.

2. What are the details of your two-wheeler?

Details like the manufacturing year of the bike, manufacturer, bike model, modifications, ex-showroom price etc. will help in pricing the insurance policy better. Let’s see how each of the factors mentioned here will affect the insurance policy.

  • Manufacturing year - Determines the age of the bike.

  • Manufacturer - To understand the brand of your bike. High-end brands increase the cost of bike insurance.

  • Bike model - Helps to calculate the engine cubic capacity (cc) of the bike for pricing the insurance policy. The higher the bike engine’s cc, the higher the premium.

  • Modifications - Insurers ask this to understand if you wish to insure the modified bike items.

  • Ex-showroom price - Helps in calculating the Insured Declared Value of the bike if you are looking for Comprehensive bike insurance.

3. What is the primary use of your bike?

Essentially, there are two purposes of riding the bike — personal use and commercial use. When you declare the intention of using the bike, your insurer will state the terms and conditions of the policy. 

Remember that bike insurance rules for commercial two-wheelers are different. They can or cannot raise claims under predetermined conditions. For example, there is a limit on the weight of goods a rider can carry. In case they overload goods and meet with an accident, then the insurer might reject their claim.

4. What are your contact details?

Nowadays, when you visit an insurer’s website or app to find online bike insurance, the insurer will ask for your contact details. Sometimes you may ignore the small popup on the screen that asks for your phone number. 

Sharing your contact number will help the insurer call you and offer a better bike insurance policy. This is helpful, especially when you are new to bike insurance and wish to learn more about finer details in the policy document.

5. Does your bike have an anti-theft device?

Installing an anti-theft device on the bike is not only good against theft but may also help you get a discount on the premium. 

Remember that it is important for you to install an ARAI-certified anti-theft device on your bike. ARAI stands for Automotive Research Association of India.

6. What coverages do you want on your policy?

Through our various blog articles, we ask you to determine your requirements before buying a bike insurance policy. This is useful when you want to buy better coverage at a lower price. You must be clear about the coverage you want in order to buy a plan that suits your requirements.

For example, one of the most basic questions will be if you want to go for Third-party Bike Insurance coverage or a Comprehensive Bike Insurance policy. And you must be ready with an answer.

7. In which part of India do you reside?

You must have noticed that the cost of a bike is not standard across all Indian states. Similarly, various factors also affect the price of your bike insurance policy. You need to share the state/city in which you reside if not your entire residential address.

8. Have you made claims in the past 5 years?

Your bike insurance company will most certainly ask this question when you buy a Comprehensive Bike Insurance policy. Because based on your answer, the insurer will determine the No Claim Bonus (NCB) applicable to your policy.

As the name suggests, No Claim Bonus or commonly known as NCB is a discount on premium for not raising claims during the policy period. You get this discount at the time of policy renewals. The number of claim-free years will determine the amount of discount you get. The maximum will be a 50% discount on the Own Damage (damage to your bike) premium of the policy for not raising claims for five consecutive years.


Bike insurance is a long-term commitment (5 years Third-party Insurance is mandatory if you have a new bike). They promise a financial backup as per the terms of the policy if you land in problems because of an accident or when bike damage occurs. So asking as much information as possible is the only way your insurer can offer the best possible coverage. 

Sometimes these questions can lead to additional discounts as well. So try to be as truthful and give as much information as possible. 

Frequently asked questions

More questions coming your way, this time you will be the one asking. Here is a list of common queries that you might have after reading the above article. 

Have questions that are left unanswered? Get in touch by sending an email at [email protected].

Apart from installing an anti-theft device, what are the different ways to reduce my bike insurance premium?


Well, you can opt for voluntary deductibles, choose only those coverages which are useful to you, ride the bike safely to avoid claims, and renew in time to reduce your bike insurance premium.

Multiple people in my family ride the bike. On whose name should I buy the bike policy?


If there is more than one person who uses the bike then you can add other people as “paid drivers” in the policy. This might not seem like a practical solution, but can be useful as the insurance company might reject a claim if the bike owner was not riding the bike at the time of the accident.

I have started a business that requires transporting small packages. Can I use my bike to do so?


If you want to use the bike for transporting goods, then you must inform the insurance company about the new intent for using the bike. The insurer may change the terms of your bike insurance policy and offer new, and more relevant coverages.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions. Explore More:


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